I'm Julian Sanchez de la Rosa, an independent broker licensed in Texas and 30 other states. I'm licensed in Texas and work with clients there remotely — phone, video, whatever suits you. This page lays out what coverage actually costs here and how Texas works, so you can decide whether it's worth a conversation.
Coverage here is tiered — an entry plan, a middle plan and a top plan, all on a national PPO network. The low end of the range below is the entry plan with nothing added; the high end is the top plan with dental, vision and a critical-illness rider on top.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $140 | $730 |
| Single adult, 40 | $215 | $850 |
| Single adult, 50 | $310 | $1,100 |
| Single adult, 60 | $550 | $1,505 |
| Couple, 40 and 38 | $435 | $1,285 |
| Family of four, parents 40 | $685 | $1,775 |
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Texas doesn't run its own exchange, so subsidized ACA plans are on healthcare.gov. If your income qualifies you for a subsidy, that's often the better deal and I'll say so. If it doesn't, the private market usually wins — that's the comparison worth running.
Texas is one of the three states carrying most of the country's coverage-gap population — people earning too much for Medicaid but too little for a marketplace subsidy. If that's you, private coverage is often the only real option, and it's worth knowing that before you spend a week on healthcare.gov.
Texas requires carriers to add a load to Silver premiums — 35% for 2026, rising to 40% for 2027. Because subsidies are calculated off the benchmark Silver plan, inflating Silver also inflates the subsidy. The practical effect is that Bronze and Gold can end up unusually cheap after subsidy. Silver looks like the sensible middle choice and frequently isn't. This is the most common avoidable mistake I see in Texas.
Nearly 4.2 million Texans enrolled for 2026 — 92% with a subsidy averaging $667 a month, and 49% paying under $10. For 2027, Cigna and Baylor Scott & White both exit, dropping the market from 16 carriers to 14, and average filed increases are around 13.1% — though the spread runs from 1.3% to over 31%. If you're with either departing carrier you have to actively pick something new.
Open enrollment for 2027 coverage opens November 1, 2026. The closing date is unsettled this year — a federal court struck down the rule that would have shortened the window, and the appeal is being argued in late October 2026. The date that hasn't moved is December 15: enroll by then if you want coverage that starts January 1. For the confirmed final deadline, check healthcare.gov directly rather than trusting a date you read anywhere — including here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — anyone without an HR department handing them a benefits packet.
30 seconds. I reach out. You decide — no pressure, no obligation.
Prefer to skip the form? Book a time on my calendar
Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar